Insurance Programs — Government Auto

Mandatory "CALI" insurance covers third-party injury with low limits; most drivers buy supplemental private policies for full protection. Public-Private

: State programs internalize the "social cost" of accidents, giving governments a direct financial incentive to invest in road safety and stricter licensing. Global Perspectives on Mandatory Insurance government auto insurance programs

: Public programs tied to vehicle registration (like in Australia ) typically see near-100% compliance, whereas purely private markets can struggle with high rates of uninsured drivers. government auto insurance programs